The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$89,929
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,726
−HK$2,842/mo
Today · 4.125%
HK$95,568
baseline
▲ 0.50% · 4.625%
HK$101,383
+HK$5,815/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,136/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,045
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,728
−HK$2,722/mo
Today · 4.125%
HK$105,450
baseline
▲ 0.50% · 4.625%
HK$111,009
+HK$5,559/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,900/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,915
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,271
−HK$3,411/mo
Today · 4.125%
HK$114,682
baseline
▲ 0.50% · 4.625%
HK$121,660
+HK$6,978/mo
Deposit HK$15.78M · loan HK$23.66M · min. income ≈ HK$229,364/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,676,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,054
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,274
−HK$3,266/mo
Today · 4.125%
HK$126,540
baseline
▲ 0.50% · 4.625%
HK$133,210
+HK$6,670/mo
Deposit HK$15.78M · loan HK$23.66M · min. income ≈ HK$253,080/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,676,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,900
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,817
−HK$3,979/mo
Today · 4.125%
HK$133,796
baseline
▲ 0.50% · 4.625%
HK$141,937
+HK$8,141/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,592/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,063
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,819
−HK$3,811/mo
Today · 4.125%
HK$147,630
baseline
▲ 0.50% · 4.625%
HK$155,412
+HK$7,782/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,260/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,872
−HK$10,151/mo
▼ 0.25% · 3.875%
HK$166,907
−HK$5,116/mo
Today · 4.125%
HK$172,023
baseline
▲ 0.50% · 4.625%
HK$182,490
+HK$10,467/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$344,046/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,081
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$184,911
−HK$4,899/mo
Today · 4.125%
HK$189,810
baseline
▲ 0.50% · 4.625%
HK$199,815
+HK$10,005/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$379,620/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,118 · Scale 2, in force from 26 Feb 2026)